If you've got questions about our Account Access or Bill Payment services, you've visited the right page. Just link to the questions below and you will find answers to common questions and problems. If you're unable to locate your question here, please feel free to contact JHFCU for further assistance.
Q. What are your hours of operation?
A. For our hours of operation including holiday and late openings, please click here.
Q. What browser should I use to access my account?
A.You can use Internet Explorer 6.0 or greater; Mozilla Firefox 1.0 or greater; Safari 1.2 or greater; and America Online 4.0 or greater.
Q. Where do I find my Personal Identification Number? And can I change my PIN?
You must use a numeric PIN for this purpose, since the TeleBranch 24 system only accepts numbers. Your PIN will be 4 digits long. We suggest that you not use numbers that are part of your birthday, address, phone or social security number to prevent someone from guessing your PIN.
To change your PIN for both Account Access and TeleBranch 24, click on the User Options icon. Then go to the Change Password option. If you do not intend to use the Account Access, you may change your PIN via TeleBranch 24. You should only change your PIN in TeleBranch 24 if you plan to use TeleBranch 24 exclusively to access your account; otherwise, change your PIN for Account Access so it changes for both services.
A. Internet Branch assigns a random session ID each time you log in. This ID is verified each time you send or receive information from Internet Branch. The session ID provides security for your private information by responding only to requests that are intended for you. The session cookie is not stored on your computer, and it is dismissed when you exit your browser, or are logged out after the inactivity period. Without accepting this session ID (cookie), you cannot explore your accounts with Internet Branch.
Q. I keep getting "time out" messages each time I try to explore my account information.
A. You may not have your browser set to allow "cookies". See the question above.
Q. How can I change my timeout session?
A. You can change your timeout session by clicking on "User Options" within Account Access. Click on "Change Timeout." You can choose among 5, 10, 20, 45 or 60 minutes.
Q. What functions are available through Account Access?
A. You can conduct transfers, view transactions, verify cleared checks, view account history via online statements, make check withdrawals and deposits (via DeposZip), pay bills electronically via online Bill Payment, reorder checks, access FinanceWorks, and more.
Q. Is there a fee for using Bill Payment?
A. JHFCU’s online Bill Payment service is free if you direct deposit to a JHFCU account and pay at least one bill per month online (after a three month grace period to set up your payees). Without direct deposit, or if you do not pay a bill after the three month grace period, there is a monthly fee of $4.95. You may pay an unlimited number of bills at no additional charge.
Q. How do I cancel my Bill Payment service?
A. You must complete a Bill Payment Cancellation form to cancel your service. You can cancel your Bill Payment account online by logging in, clicking on the "Bill Payment" tab, and submitting the Bill Payment Cancellation form (link located on far right of Bill Payment tool bar). You may also click here to 1) print the form, 2) complete it, 3) sign it and date it and 4) bring it in or fax it to our EB Branch at 410-955-8672. Please note: you will be charged for the current month (the month in which you are cancelling your Bill Payment account). The billing will take place in the following month and all future billing will cease after that.
Q. When is my service charge for Bill Payment debited from my Checking Account?
A. Your monthly payment for your preceding month's Bill Payment service will be debited from your Checking Account between the 5th and 10th business day of the month.
Q. When will Internet Branch transactions be posted?
A. The Internet Branch system is online and real time. Your account will be updated as soon as you complete the transaction. If you complete a transaction after normal business hours and try to view account history, you may need to change the reference date at the bottom to the next business day.
Q. May I download information to my financial management software?
A. Exports are availbe through Quickens Direct Connect feature, but must be conducted through your Quicken software by choosing "Online" from the file menu and clicking on "Participating Financial Instutituions," then following the diretions (please see Quicken software directions for full details).
The Internet Branch allows downloading to older versions of Quicken or Microsoft Money. Click on "Export" after you click "Account Access." .QIF format downloads for importing checking, savings and credit card data would no longer be permitted in the 2004/2005 versions. Later versions of Money also do not permit exports.
Q. Could you give me information about exporting files?
A. The Export service allows you to download your account information into a OFC, OFX, QIF, QFX, QBO, or CSV file format. These formats are compatible with personal financial management (PFM) software packages. Please be sure to select the file format for your PFM product.
Q. For what periods is "transaction history" and check verification available?
A. Account Access will allow you to span a year's worth of transaction activity. However, due to our core computer system conversion on May 1, 2001, online history will only be available back to May 1, 2001. A link to your online statement with history back to January 1, 2001 will be available however. For account history information prior to 2001, please contact the Credit Union at 410-534-4500.
A. We use the best available technology in security, firewalls and encryption. Account Access will only accept three (3) invalid PIN attempts before locking the account out. As an additional security measure, JHFCU requires Multi Factor Authentication with Questions and Answers, before you are able to access your account. We advise you not to share your PIN with others, or to keep it in any place readily accessible to others. You may want to check out our separate section on Security Information or visit our Online Help Desk.
Q. What is JHFCU's routing number?
A. 252076235